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How to read your credit card statement

We’ve set out your credit card statement in a way that’s hopefully easy for you to understand. Amongst other things, you can see how much you owe, payment details, interest charges, as well as your account summary.

Learn more about reading your statement.

Account summary

Your credit card statement explained

Your details at a glance

Outlines your basic customer details.

Account summary

Outlines current state of your account, for a particular period.

Promotional offer

If there was a promotion offered at the time you applied for your credit card, the promotional balance transfer and/or your promotional purchase rate offer will be shown.

Account details

Lists your credit limit, your current available credit amount, annual purchase rate, and annual cash advance rate.

Payment details

Outlines the minimum payment amount as well as its due date. Any overdue amount along with the overdue portion that needs to be paid immediately will also be listed.

Any questions?

Lists our contact details for any questions you may have.

Repayments and assistance

Repayments and assistance

Minimum repayment warning

Outlines how long it would take to pay off your current closing balance if you only paid the minimum amount each month. Seeing this information clearly outlined might be helpful when you’re planning your finances and spending.

Having trouble making payments?

Provides information on how to contact our Mortgage Help Centre if you're having trouble making payments.



Shows you an itemised list of all the withdrawals and payments made during your statement period. You’ll also find any interest charges and fees specified here.

Payment options

Payment options

How to pay

Shows you the many ways you can make your credit card payments. These include e-Banking or Bendigo Bank app, BPAY®, Bank@Post, phone banking, or in person at your local Bendigo Bank branch.

Please keep in mind that fees will apply for payments using Bank@Post. You can find more information on fees in the Bendigo Bank Schedule of Fees, Charges and Transaction Account Rebates terms and conditions for your credit card.

Other information

Other information on your statement

Important messages

From time to time we’ll include important messages on your statement, such as changes to your terms & conditions, and other information to keep you up to date.

Switching to e-statements

Receiving statements electronically is faster and safer than traditional mail and can also reduce paper waste. Your e-banking gives you the option to opt-out of receiving paper statements on your accounts. You can make the switch today, and learn more here.

Things you should know

Terms, conditions, fees and charges apply. All information, including interest rates and fees, is correct as at 1 March 2023 and is subject to change. Full details available on application. Credit criteria apply. Credit provided by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL/Australian Credit Licence 237879 (‘Bendigo Bank’).

Target Market Determinations for products are available.


®Registered to BPAY Pty Ltd ABN 69 079 137 518

Bank@Post™ and its device mark are trademarks (registered or otherwise) of Australia Postal Corporation. All rights reserved.

Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples of this nation and the Traditional Custodians of the land where we live, learn and work. We pay our respects to Elders past and present as it is their knowledge and experience that holds the key to the success of future generations.

Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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